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Sam's Club Discover approval

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snowkitty
Established Contributor

Sam's Club Discover approval

I go to sams club a few times a week and thought I would give it a shot for the sams credit card. I spend 150.00 a week there every week. Anyways, I applied online and it submitted for the sams discover by default and I got the 7-10 day message so I called. They approved me for the Sams Discover for 1800.00. It blew me away because that is my highest limit. So I have a few questions....is this a good card to have? Now I read online a bunch of people complaing about it. Also, its backed by ge right? So is it a real discover card? Will it affect my discover more card? Why would they give me such a higher limit? I'm glad but surprised. I assumed if anything, I would have gotten the store card for 600.00
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 1 of 34
33 REPLIES 33
ninjamike81
Regular Contributor

Re: Sam's Club Discover approval

congrats


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 2 of 34
youngandcreditwrthy
Senior Contributor

Re: Sam's Club Discover approval

The only diff is that it is backed by GECRB not DFS. Shouldn't affect your "real" Discover.

Also, you can get pretty frequent CLIs if handled correcty. Just charge your purchases and try to pif.
I have the Walmart Discover with a $5,000 limit, and I love it.

They have a lot of 0% offers for min purchases (like $499 @0% for 18 mos sometimes).
Also, I think you get 15 cents off a gallon of gas thru December.

Cashback is quite dismal however. Offers on your "real" Discover will be better typically.

Hope this helps!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 34
LS2982
Mega Contributor

Re: Sam's Club Discover approval

CONGRATS!!!

Yes, it is backed by GE and can grow very nicely. They probably gave you the higher limit than Discover More to entice you to use their card more. It is a GE backed card that uses the Discover network for charging.



EQ FICO 548 3/3/16
Message 4 of 34
snowkitty
Established Contributor

Re: Sam's Club Discover approval

I saw the 0% interest and that is why I wanted the card too....sams has great deals on electronics which both of my kids are after for Christmas. I do wonder why the walmart discover denied me and gave me only the store card last month.
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 5 of 34
Tommy5746
Regular Contributor

Re: Sam's Club Discover approval

 

CONGRATS!!!!

 

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 6 of 34
Anonymous
Not applicable

Re: Sam's Club Discover approval

Congrats! I wanted to apply for it but was afraid to be denied, so I just went with the store card and got approved.

Message 7 of 34
LS2982
Mega Contributor

Re: Sam's Club Discover approval

Not sure why wally gave you just the store card. Now that sams gave you the Discover you might see an early upgrade from wally.



EQ FICO 548 3/3/16
Message 8 of 34
youngandcreditwrthy
Senior Contributor

Re: Sam's Club Discover approval

Well.... I think people who shop at Sam's typically spend more... Maybe that's why...or maybe you credit shot up in that time frame...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 34
maiden_girl
Valued Contributor

Re: Sam's Club Discover approval

I dunno why I assumed the Walmart card would work in Sam's club and vice versa...It's the same company. Pretty weird you apped there and got the Discover but when you applied to Walmart, they only gave you the store card...

As of 2017, rebuilding...
Message 10 of 34
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